JKHY
Jack Henry & Associates·NASDAQ
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6.40 / 10
Outperform
JKHY's fundamental framework earns 6.4/10, supported by a healthy Days Sales Outstanding (49.3 days, Q2) and strong Profit-MV (Q4) readings. However, Asset-MV (Q1) and Revenue-MV (Q3) lag, tempering the overall score. The PB-ROE factor at 3.30 places the stock in Q4, contributing positively. Net cash flow growth (12.9% YoY) is encouraging, yet net profit margin (19.2%) shows room for improvement. These mixed signals result in a 'satisfactory quality' assessment with a favorable but not dominant fundamental stance.
Analysis Checks(5/10)
Revenue-MV
Value-0.74
Score0/3
Weight-5.26%
1M Return-3.44%
Value-0.74
Score0/3
Weight-5.26%
1M Return-3.44%
Profit-MV
Value0.07
Score2/3
Weight7.65%
1M Return3.72%
Value0.07
Score2/3
Weight7.65%
1M Return3.72%
PB-ROE
Value3.30
Score3/3
Weight69.36%
1M Return44.13%
Value3.30
Score3/3
Weight69.36%
1M Return44.13%
Net profit margin (%)
Value19.19
Score0/3
Weight-4.32%
1M Return-3.70%
Value19.19
Score0/3
Weight-4.32%
1M Return-3.70%
Asset-MV
Value-1.24
Score1/3
Weight19.94%
1M Return12.76%
Value-1.24
Score1/3
Weight19.94%
1M Return12.76%
Days sales outstanding
Value49.33
Score2/3
Weight2.43%
1M Return1.29%
Value49.33
Score2/3
Weight2.43%
1M Return1.29%
Net income-Revenue
Value0.49
Score2/3
Weight7.88%
1M Return3.69%
Value0.49
Score2/3
Weight7.88%
1M Return3.69%
Net cash flow from operating activities (YoY growth rate %)
Value12.93
Score1/3
Weight-0.49%
1M Return-0.29%
Value12.93
Score1/3
Weight-0.49%
1M Return-0.29%
Income tax / Total profit (%)
Value22.23
Score2/3
Weight2.11%
1M Return1.16%
Value22.23
Score2/3
Weight2.11%
1M Return1.16%
Cash-MV
Value0.13
Score0/3
Weight0.71%
1M Return0.43%
Value0.13
Score0/3
Weight0.71%
1M Return0.43%
Revenue-MV
Value-0.74
Score0/3
Weight-5.26%
1M Return-3.44%
Value-0.74
Score0/3
Weight-5.26%
1M Return-3.44%
Days sales outstanding
Value49.33
Score2/3
Weight2.43%
1M Return1.29%
Value49.33
Score2/3
Weight2.43%
1M Return1.29%
Profit-MV
Value0.07
Score2/3
Weight7.65%
1M Return3.72%
Value0.07
Score2/3
Weight7.65%
1M Return3.72%
Net income-Revenue
Value0.49
Score2/3
Weight7.88%
1M Return3.69%
Value0.49
Score2/3
Weight7.88%
1M Return3.69%
PB-ROE
Value3.30
Score3/3
Weight69.36%
1M Return44.13%
Value3.30
Score3/3
Weight69.36%
1M Return44.13%
Net cash flow from operating activities (YoY growth rate %)
Value12.93
Score1/3
Weight-0.49%
1M Return-0.29%
Value12.93
Score1/3
Weight-0.49%
1M Return-0.29%
Net profit margin (%)
Value19.19
Score0/3
Weight-4.32%
1M Return-3.70%
Value19.19
Score0/3
Weight-4.32%
1M Return-3.70%
Income tax / Total profit (%)
Value22.23
Score2/3
Weight2.11%
1M Return1.16%
Value22.23
Score2/3
Weight2.11%
1M Return1.16%
Asset-MV
Value-1.24
Score1/3
Weight19.94%
1M Return12.76%
Value-1.24
Score1/3
Weight19.94%
1M Return12.76%
Cash-MV
Value0.13
Score0/3
Weight0.71%
1M Return0.43%
Value0.13
Score0/3
Weight0.71%
1M Return0.43%
Is JKHY fundamentally strong?
- JKHY scores 6.40/10 on fundamentals and holds a Discounted valuation at present. Backed by its 12.40% ROE, 20.59% net margin, 24.73 P/E ratio, 5.70 P/B ratio, and 25.68% earnings growth, these metrics solidify its Outperform investment rating.
